Individual health insurance has become more complex over the years with the implementation of the Affordable Care Act (ACA) also known as Obamacare creating more concerns and questions to the consumer. With that said, our main goal is to simplify everything possible for you while finding you the most affordable health insurance policy that best fits your needs. By working side-by-side with the consumer and directly with all major individual health insurance carriers available in North Carolina this allows us to help you every step of the way while being able to discuss and offer you all available options. There is no additional fee for our services so why not use a trusted local agency?

We primarily work with ACA compliant on and off the Marketplace (Obamacare / Healthcare.gov directly applying tax credits/subsidies to premiums if eligible) plans and Short Term Medical plans through BCBSNC and United Healthcare respectively. These two types of individual plans are very different from one another with very different rules and guidelines, but one or either can be a very good fit for you given the right situation such as income (might make you tax credit eligible for savings on your monthly premium) or health status (underwriting is involved with Short Term plans so one can be declined).

Please click on the Individual Insurance tab above to read more information regarding the two types of plans. After getting to know just a little bit about your specific situation, we are strongly committed to properly advising and helping you the entire way through the process no matter the circumstance. We are also there for you every day after the application process is complete throughout the year(s). We walk our clients through the process from the beginning to the end, no matter what the issue or situation is and or/arises all while trying to simplify things. The client's best interest is always first and foremost to us.

There is no fee for our services. We take pride in providing a personal experience with our service to you.

Employee Benefits for Small Businesses and Groups

With over 40 years being in business, The Cavenaugh Insurance Agency proudly continues to offer our group clients a professional one-stop full-service approach for their employee benefit needs. We specialize in medical, dental, vision, life, short-term and long-term disability insurance. We work directly one-on-one with the insurance carriers so our clients should never have to call or contact anybody outside of our agency for anything at all. We do the work for you. We represent most all major insurance carriers (see below for a full list) available for North Carolina headquartered companies with large national networks so we can fortunately present and offer you a wide variety of benefit options all at once.

Our business strives on our one-on-one personal approach with our customer service. We know the importance of a good employee benefits agency and it starts and ends with their customer service. We are at your disposal beginning from our first conversation. Our focus is to make employee benefits as simple, painless and effortless as possible for our clients because we know most employers and HR's do not like navigating and simply dealing with employee benefits. We completely understand this aspect of our business and we apply that to our everyday business model providing you with the best service possible. On top of attempting to answer every phone call or email within the hour, we help educate our clients and each employee by offering one-on-one employee meetings, holding large employee meetings, preparing employee booklets and many other ways including any and all suggestions made by the client themselves. In short, we are there for you around the clock 7 days a week via email or telephone to help resolve situations or answer any and all questions no matter how big or small.